The Union Plus Credit Card: Why You May Want to Pass
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The Union Plus Card is geared toward union members, and specifically offers discounts and benefits for union members. However, it may not be the best deal for most union members.
The bottom line
If you qualify for this card, then you qualify for a better card somewhere else. Never sign for a card simply because they claim to have your best interests at heart; do some research to find what’s actually best for your own lifestyle.
- If you pay off your balance every month, you should be earning rewards to the fullest extent possible. You can score an awesome rewards credit card, which will effectively get you something like 2% rewards. The Union Plus Card pays no rewards.
- The main perk advertised by this card is access to “exclusive discounts”, yet most other issuers offer similar, if not better, discounts through their own online credit card malls.
- If you don’t pay off your balances every month, you can find a low interest card geared towards your own level of credit.
- Either way, you can get a card with no annual fee, instead of this card’s annual fee of $0 to $39.
Here’s our beef
- The Union Plus Card earns no rewards. Even many tiny neighborhood credit unions offer rewards. This means by using this card, you’re losing out on rebates of at least 1-2% on every dollar you spend.
- Instead, you get benefits that can be found almost anywhere. Like access to a coupon center. See for yourself.
- The UnionSafe hardship assistance advertised here really has nothing to do with your credit card, and is a benefit that almost any union member can apply for, as far as we can tell.
- The upfront balance transfer fee and cash advance fee of can be high. These fees are generally 3% or less at other banks.